ofj"B ukxfjd cpr ;kstuk

1- jkf'k dkSu tek djok ldrk gS \

¼i½ [kkrk [kksyus dh frfFk dks tks O;fDr 60 o"kZ ;k vf/kd dh vk;q dks izkIr dj pqdk gksA

¼ii½ ;fn dksbZ O;fDr [kkrk [kksyus dh frfFk dks LoSfPNd lsokfuo`fÙk ;kstuk ;k fo'ks"k LoSfPNd lsokfuo`fÙk ;kstukUrxZr lsokfuo`Ùk gqvk gks vkSj ftldh vk;q 55 o"kZ ;k vf/kd ijUrq 60 o"kZ ls de gS ,sls O;fDr }kjk lsokfuo`fÙk ykHk izkfIr ds ,d ekg ds Hkhrj gh [kkrk [kksyk tk ldrk gSA

¼iii½ 55 o"kZ ;k blls vf/kd fdUrq 60 o"kZ ls de vk;q ds O;fDr tks ofj"B ukxfjd cpr ;kstuk ds ykxw gksus ls iwoZ lsokfuo`Ùk gq, gSa os izkIr lsokfuo`fÙk ykHk dh 15 yk[k #i;s rd dh jkf'k fnukad 27-11-2004 rd tek djk ldrs gSaA

2- fuos'k dgkWa djok;sa \

¼i½ lsfoax cSad dk dk;Z djus okys fdlh Hkh M+kd?kj esa [kkrk [kqyok;k tk ldrk gSA

¼ii½ yksd Hkfo"; fuf/k ;kstuk dks lapkfyr dj jgs lkoZtfud {ks= ds cSadksa esa [kkrk [kqyok;k tk ldrk gSA

3- [kkrk dSls [kqyok;s \

¼i½ tekdÙkkZ dks QkeZ&, esa vkosnu djuk gksxk rFkk tek jkf'k ds lkFk QkeZ&Mh esa tek iphZ Hkjdj nsuh gksxhA blds lkFk esa vk;q dk izek.k Hkh nsuk gksxkA

¼ii½ tekdÙkkZ }kjk ,d ls vf/kd [kkrs [kqyok;s tk ldrs gS ijUrq lHkh [kkrksa esa fuos'k dh xbZ jkf'k ;kstuk esa fu/kkZfjr vf/kdre jkf'k ls vf/kd ugha gksxhA ,d ekg ds Hkhrj mlh M+kd?kj esa nwljk [kkrk ugh [kksyk tk ldrkA

¼iii½ tekdÙkkZ ,dy :i esa ;k ifr@iRuh ds lkFk la;qDr :i ls Hkh [kksyk tk ldrk gSA

4- fuos'k dh lhek

¼i½ fuos'k dh U;wure lhek & 1]000@& :i;s

¼ii½ fuos'k dh vf/kdre lhek & 15]00]000@& :i;s

ijUrq fdlh Hkh [kkrs esa jkf'k 1]000@& :i;s ds xq.kdksa esa gh tek djokbZ tkosA

¼iii½ ifr o ifRu nksuks 60 o"kZ ;k blls vf/kd vk;q ds gksus ij ,dy uke ;k la;qDr uke ls #-15&15 yk[k dh jkf'k tek djk ldrs gSaA ifr&ifRu ds vyx vyx [kkrs ¼,dy ;k la;qDr½ [kqyokus dh fLFkfr esa ,d dh e`R;q gksus ij e`rd dk [kkrk cUn dj fn;k tk;sxkA

5- ;kstuk dh vof/k

¼i½ [kkrk [kksyus dh frfFk ls 5 o"kZ rd] 5 o"kZ ckn [kkrk can fd;k tk ldrk gSA

¼ii½ tekdÙkkZ pkgs rks QkeZ&ch esa vkosnu djds [kkrs dh vof/k dks rhu o"kZ ds fy, c<+k ldrk gSA ijUrq tekdÙkkZ dks [kkrk ifjiDo gksus ls ,d o"kZ ds Hkhrj ,slk vkosnu djuk gksxkA

6- jkf'k tek djkus dk rjhdk

¼i½ ;fn tek jkf'k ,d yk[k :i;s ls de gS rks uxn esaA

¼ii½ pSd ;k fMek.M MªkQ~V }kjk

7- ;kstukUrxZr ns; C;kt

¼i½ tek dh frfFk ls 9 izfr'kr okf"kZd C;kt ns; gksxkA

¼ii½ C;kt [kkrk [kksyus dh frfFk ls 31 ekpZ@30 twu@30 flrEcj@31 fnlEcj dks ns; gksxkA

8- ifjiDork frfFk ls iwoZ vkgj.k

¼i½ ;fn [kkrk] [kkrk [kksyus dh frfFk ls ,d o"kZ ds ckn ijUrq 2 o"kZ ls iwoZ can fd;k tkrk gS rks tek jkf'k dh 1-5 izfr'kr jkf'k dh dVkSrh dh tk;sxh rFkk 'ks"k jkf'k tekdÙkkZ dks okfil ykSVk nh tk;sxhA

¼ii½ ;fn [kkrk] [kkrk [kksyus dh frfFk ls nks o"kZ ds ckn can fd;k tkrk gS rks tek jkf'k dh 1 izfr'kr jkf'k dh dVkSrh dh tk;sxh rFkk 'ks"k jkf'k tekdÙkkZ dks okfil ykSVk nh tk;sxhA

SENIOR CITIZEN SAVINGS SCHEME

1.	Who can invest?	(i) who has attained the age of 60 years or above on the date of opening of an account (ii) who has attained the age of 55 years or more but less than 60 and who has retired under VRS or Special voluntary retirement scheme. On the date of opening an account subject to the condition that account is opened within three months of retirement.
2.	Where to invest?	Any post office doing savings bank work.
3.	How to open the account?	(i) By making an application in the Form-A alongwith age proof and amount deposit Pay-in-Slip in Form-D. (ii) A depositor may operate more than one account with the condition that deposits in all such accounts shall not exceed the maximum limit as specified under the rules provided that more than one account shall not be opened in the same post office during a calendar month. (iii) A depositor may open the account in individual capacity or Jointly with spouse.
4.	Limits of Deposits	There shall be only one deposit in the account in multiple of one thousand not exceeding rupees fifteen lakh
5.	Mode of Deposit	(i) Less than Rs. 1 lakh in cash (ii) by cheque or demand draft the date of deposit shall be date of encashment of the cheque/demand draft.
6.	Withdrawals	(i) Five years from the date of opening of an account
7.	Pre mature closure of account	Depositor may withdraw the deposits and close the account at any time after the expiry of one year from the date of the account opening subject to the following deductions : (i) closure of account after one year but less than two years 1½% of the deposits. (ii) Closure of account on or after two years 1% of the deposits.
8.	Premature closure of extended account	Any time after the expiry of one year from the date of extension of account without deduction
9.	Interest Payment	(i) The Deposits made in the account shall bear interest at the rate of Nine (9%) percent per annum from the date of deposit. (ii) Interest shall be payable from the date of deposit to 31st March/30th June/30th September / 31st December
10.	Nomination :	The Depositor may nominate a person at the time of opening the account or after the opening of account but before it closure.